Credit cards (debit cards) are becoming more and more popular in life, but at the same time, scammers have also found opportunities. They take advantage of cardholders' lack of financial knowledge and eagerness to apply for large credit cards (credit cards) to defraud personal identity information and money, which has caused great losses to their friends.
In order to help you reduce your losses, we have specially sorted out several typical credit card (debit card) fraud methods. Please read them carefully!
Act as a credit card (debit card) scam
Credit card (debit card) is a financial product issued by a bank, which can only be handled by myself through the bank or the real channel authorized by the bank. Because credit card (debit card) application has a certain threshold, for those users with poor credit information, it is basically a direct second refusal. Therefore, there are many institutions or individuals dealing with credit cards (debit cards) in the market. When the other party defrauded the cardholder's personal identity information and credit card handling fee, they disappeared immediately.
Looking for someone to handle a credit card (debit card) almost lost 1 ten thousand yuan.
Xiao Wu wants to apply for a large credit card (debit card) because he is in urgent need of money, and the target amount is not less than 100000 yuan. However, he has neither a real job nor a real estate or a car. It is estimated that according to this condition, 99% banks will refuse to apply for credit cards (debit cards). He searched the Internet for information to see if anyone offered credit card (debit card) agency services.
He was soon told that he could apply for a credit card (debit card) with a line of 100000 as long as he provided his personal ID card and the information fee in 500 yuan. Xiao Wu felt that there were not many 500 yuan, so he quickly did as the other party asked. In less than a week, Xiao Wu received a credit card (debit card) from the other party. Xiao Wu follows the instructions for opening the card, but he can't activate the credit card (debit card) anyway.
He contacted the other party again, and the other party said that 500 yuan was only a data packaging fee. If you want to activate a credit card (debit card) with a line of 100000, you need to pay an additional deposit of 6%. For Xiao Wu who is in urgent need of money, 6000 yuan may be his income for two or three months. Xiao Wu thought for a long time and gave up. Later, I learned that it was a scam. Fortunately, we only lost 500 yuan. If we really trust each other, thousands of dollars will be gone, and that 100000 credit card is simply a fake card.
Credit card (debit card) increases the amount of fraud
Many people need to apply for large credit cards (debit cards) because of their high consumption expenditure, and the credit cards (credit cards) on hand are not enough. It is difficult and slow for banks to increase the quota, so they seek an institution to increase the quota. The other party claims that the credit card (debit card) needs to provide the credit card (debit card) and password to increase the credit limit, which is simply nonsense. After the other party obtains the credit card (debit card) and password, it can overdraw the consumption. When handling credit card (debit card) business, you should first consult the issuing bank to verify whether you meet the requirements, and never give your credit card (credit card) and password to others at will.
Fraud form 1: first spend, and then refund after the amount is successfully withdrawn.
Fraud form 2: to increase the quota, pay the fee first.
Fraud form 3: using "credit enhancement software" to implement stolen brush.
Don't believe the customer service that credit cards (debit cards) can increase the quota.
Xiao Wu needs capital turnover at any time when doing business. On this day, he received a short message showing the official customer service number of a bank, saying that Xiao Wu's credit card (debit card) limit can be increased to 654.38+ 10,000 yuan, and he can directly dial the phone number in the short message. Seeing that it was a short message from the bank's "customer service" number, Xiao Wu had no doubt and immediately called the phone number in the short message to ask for an increase in the quota.
On the phone, I told Xiao Wu that if he wanted to increase the credit limit, he needed to pay off the arrears in his previous credit card (debit card) in full, and he needed to pay back automatically by binding the savings card.
Xiao Wu usually repays with Alipay or WeChat, and the savings card does not have the function of automatic repayment, so he told the other party that he could not operate, and the other party said that he could help him operate. Xiao Wu provided the card number of the savings card and transferred 9200 yuan from his other savings cards to the card through mobile banking.
Soon, Xiao Wu received the SMS verification code. After telling the other party the verification code, Xiao Wu's mobile phone immediately received two consumption short messages, and his card was spent 9200 yuan. He immediately realized that he had been cheated and called again, but he couldn't get through.
Don't click on the link or QR code at will
Zheng Xiao's mother is in hospital and needs money badly. She saw an advertisement in the bathroom of the hospital that could help increase the credit card (debit card), so she called according to the telephone number on the advertisement. The liar asked Zheng Xiao to send him the card number and name of the credit card (debit card). After a while, the swindler told Zheng Xiao that the comprehensive score of the credit card (debit card) was insufficient, and the credit limit could not be increased. However, the difference is no more than a few points. You can increase the score by brushing the virtual running water to increase the quota.
The swindler told Zheng Xiao that he would send him a QR code and ask Zheng Xiao to scan the code for payment. The amount will exceed the available credit card (debit card), and the deduction will fail. There will be no money loss, but it will increase the virtual traffic in Zheng Xiao, so that the amount can be increased. Xiao Zhengyi thought that there was really not so much money in his credit card (debit card) anyway, so it was impossible to pay successfully, so he scanned the QR code sent by the liar and paid successfully. This is that the credit card (debit card) used by the liar has exceeded the limit.
Do not apply for a credit card (debit card) in a non-brand organization.
Zhou Xiao is a female worker who works in a factory. On this day, she saw an advertisement in the WeChat group, saying that she could help the credit card (debit card) to raise the amount. Then Zhou Xiao added that person's WeChat. After the chat, the swindler promised Zhou Xiao that he would go through the internal channels of the bank. In addition to the card number of the credit card (debit card), he also needs to take photos of the front and back of the ID card and send them to him. Zhou Xiao, who was in urgent need of money, believed each other's words and immediately sent his credit card (debit card).
After a period of time, Zhou Xiao found that the credit card (debit card) quota had not increased. When urging, the swindler kept saying that the quota was being approved and asked Zhou Xiao to wait for a while. However, it didn't take long for Zhou Xiao to receive repayment messages from other banks, only to find that the credit card (debit card) quota had not been increased. Instead, the swindler used his ID card to handle a credit card (debit card) and swiped all the money in the card.
Don't tell others the verification code of credit card (debit card)
Xiao Wang saw an advertisement in the circle of friends that he could increase the credit card (debit card) quota, and if he failed, he would not be charged. So Xiao Wang contacted the man, who asked Xiao Wang to take photos of the front and back of his credit card (debit card) and send them to him. Then trick Xiao Wang into taking the internal channel, and it only takes a while to send him the verification code.
After a while, Xiao Wang received the SMS verification code and sent it to the other party. Then he received a short message from his credit card (debit card), and Xiao Wang realized that he had been cheated. That is to say, scammers can use the CVV code behind the credit card, that is, the last three digits behind the credit card, to conduct transactions on many overseas shopping websites without passwords.
There are many similar scams.
Little friends should keep their eyes open.
Don't be blinded by desire.